The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$113,317
−HK$7,107/mo
▼ 0.25% · 3.875%
HK$116,842
−HK$3,582/mo
Today · 4.125%
HK$120,424
baseline
▲ 0.50% · 4.625%
HK$127,751
+HK$7,327/mo
Deposit HK$24.85M · loan HK$24.85M · min. income ≈ HK$240,848/mo (50% DSR)
Upfront cash ≈ HK$26.96M (deposit + AVD stamp duty HK$2,112,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,065
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$129,446
−HK$3,429/mo
Today · 4.125%
HK$132,875
baseline
▲ 0.50% · 4.625%
HK$139,880
+HK$7,005/mo
Deposit HK$24.85M · loan HK$24.85M · min. income ≈ HK$265,750/mo (50% DSR)
Upfront cash ≈ HK$26.96M (deposit + AVD stamp duty HK$2,112,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,981
−HK$8,527/mo
▼ 0.25% · 3.875%
HK$140,211
−HK$4,297/mo
Today · 4.125%
HK$144,508
baseline
▲ 0.50% · 4.625%
HK$153,301
+HK$8,793/mo
Deposit HK$19.88M · loan HK$29.82M · min. income ≈ HK$289,016/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$2,112,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,277
−HK$8,174/mo
▼ 0.25% · 3.875%
HK$155,335
−HK$4,116/mo
Today · 4.125%
HK$159,451
baseline
▲ 0.50% · 4.625%
HK$167,855
+HK$8,404/mo
Deposit HK$19.88M · loan HK$29.82M · min. income ≈ HK$318,902/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$2,112,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,644
−HK$9,949/mo
▼ 0.25% · 3.875%
HK$163,579
−HK$5,014/mo
Today · 4.125%
HK$168,593
baseline
▲ 0.50% · 4.625%
HK$178,851
+HK$10,258/mo
Deposit HK$14.91M · loan HK$34.79M · min. income ≈ HK$337,186/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$2,112,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,490
−HK$9,536/mo
▼ 0.25% · 3.875%
HK$181,224
−HK$4,802/mo
Today · 4.125%
HK$186,026
baseline
▲ 0.50% · 4.625%
HK$195,831
+HK$9,805/mo
Deposit HK$14.91M · loan HK$34.79M · min. income ≈ HK$372,052/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$2,112,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,971
−HK$12,791/mo
▼ 0.25% · 3.875%
HK$210,316
−HK$6,446/mo
Today · 4.125%
HK$216,762
baseline
▲ 0.50% · 4.625%
HK$229,952
+HK$13,190/mo
Deposit HK$4.97M · loan HK$44.73M · min. income ≈ HK$433,524/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$2,112,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,916
−HK$12,260/mo
▼ 0.25% · 3.875%
HK$233,002
−HK$6,174/mo
Today · 4.125%
HK$239,176
baseline
▲ 0.50% · 4.625%
HK$251,783
+HK$12,607/mo
Deposit HK$4.97M · loan HK$44.73M · min. income ≈ HK$478,352/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$2,112,041 · Scale 2, in force from 26 Feb 2026)